An Act relative to fairness in debt collection
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Progress
Where this bill stands in the legislative process.
- Introduced
- Passed House
- Passed Senate
- To Governor
- Became Law
Overview
This bill, titled ‘An Act relative to fairness in debt collection,’ aims to establish stricter rules and protections for consumers during the debt collection process in Massachusetts. It seeks to limit certain collection practices, increase transparency for debtors, and provide more avenues for consumers to dispute inaccurate debt information. The legislation intends to ensure debt collection activities are conducted fairly and ethically, safeguarding consumers from potentially abusive tactics.
Key provisions
- Limits on communication times and methods for debt collectors.
- Requires debt collectors to provide debtors with detailed information about the debt.
- Prohibits debt collectors from using misleading or deceptive practices.
- Establishes a process for debtors to dispute inaccurate debt information.
- Increases transparency regarding debt collection fees.
- Provides consumers with the right to request verification of a debt.
- Restricts the use of automated calls and texts for debt collection.
Who is affected
- Consumers in Massachusetts
- Debt collection agencies
- Financial Services industry
Notable changes
- The bill introduces specific regulations regarding communication with debtors.
- It mandates detailed debt verification procedures for collectors.
Bill text
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Sponsors
Official sponsors from legislative records.
11 on record
Primary sponsor
Cosponsors
Attorney General Andrea Joy Campbell
Carmine Lawrence Gentile
Danillo A. Sena
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